50% of SMEs Consider Financing Due to Long Accounts Receivable Payment Terms | Mynavi Bridge Releases Survey on 22 Factoring Users

Mynavi Bridge Co., Ltd. (Location: Minato-ku, Tokyo, Representative: Yasushi Shoji) conducted a survey on "Cash Flow and Financing" targeting 22 small and medium-sized enterprises (SMEs) that utilize factoring.

The survey revealed that the most common reason for considering financing was "long payment terms (payment receipt terms) from accounts receivable" (50.0%), with the primary objective being to secure working capital for personnel costs, outsourcing fees, and procurement. Furthermore, 86.4% of user companies achieved funding within 6 days of their inquiry, highlighting the need for swift responses to cash flow challenges.

This release presents a portion of the survey results.

Survey Results Summary

Approximately 86% of respondent companies are small businesses with 20 or fewer employees (primarily B2B industries such as construction, IT, and wholesale).

The most frequent reason for considering financing was "long payment terms for accounts receivable" (50.0%).

"Two-party factoring" accounted for 86.4% of the types of factoring used.

The most common amount per transaction was "2.01 to 5 million yen" (36.4%).

Over 40% received funds in "1-2 days," and over 80% (86.4%) within "6 days."

The most common pre-use concern was "possibility of the accounts receivable party being notified" (50.0%), while overall satisfaction after use exceeded 90%.

90.9% responded that they "would use it again if needed."

Reasons for Considering Financing

The most frequent response for reasons to consider financing (multiple answers allowed) was "long payment terms for accounts receivable" (50.0%), followed by "increased advances (new projects)" (40.9%), "sudden payments (salary, outsourcing fees, etc.)" (36.4%), and "bank loans were not timely or were rejected" (36.4%).

SMEs often face situations where they have insufficient cash on hand despite having sales, due to long payment terms for accounts receivable. This survey also found that many companies consider financing to secure working capital for outsourcing fees (59.1%) and personnel costs, procurement, and taxes (each 45.5%).

Time to Financing

Regarding the time taken from inquiry to fund disbursement, 86.4% of companies completed their financing within one week, with "3-6 days" (45.5%) and "1-2 days" (40.9%) combined.

While bank loans can take several weeks from screening to disbursement, this indicates that factoring is being utilized as a swift financing method.

Post-Use Satisfaction

Although many companies had concerns before use, such as "possibility of the accounts receivable party being notified" (50.0%) and "high or unclear fees" (45.5%), overall satisfaction after use exceeded 90%, with "very satisfied" (59.1%) and "somewhat satisfied" (31.8%) combined.

By category, all companies responded "satisfied" with "staff and support system" and "sense of security and reliability." "Speed and certainty of fund disbursement" also received satisfaction from 95.5%. Furthermore, 90.9% of companies responded that they "would use it again if needed," revealing a gap between pre-use concerns and post-use evaluation.

Future Initiatives

Based on these survey results, Mynavi Bridge Co., Ltd. will continue to strengthen its support for resolving the cash flow challenges of SMEs.

We are committed to creating an environment where businesses can continue their operations with peace of mind through information provision and service expansion related to financing.

Survey Overview

Survey Content: Survey on the actual conditions of cash flow and financing for SMEs

Survey Period: February 3 - February 25, 2026

Survey Target: Companies utilizing factoring

Number of Responses: 22 companies

Survey Method: Internet survey

Full Version of Survey Results Available Here

The detailed report (all graphs and analysis) of this survey's results is published on the following page.

▼Detailed Report https://mynavibridge.jp/media/factoring/factoring-survey-2026/

When quoting or reprinting the content, graphs, or data from this release, please be sure to cite the following link as the source.

Source: https://mynavibridge.jp/media/factoring/factoring-survey-2026/

(Example of citation method) "According to a survey by Mynavi Bridge Co., Ltd." or "According to the survey on cash flow and financing."

Company Profile

Name: Mynavi Bridge Co., Ltd.

Representative: President and CEO Yasushi Shoji

Head Office Location: 1F, Avan Minami Aoyama, 5-14-7 Minami Aoyama, Minato-ku, Tokyo

Established: April 1, 2019

Capital: 35 million yen

Principal Shareholder: Mynavi Corporation

Business Activities: Accounts receivable secured lending, factoring, real estate secured lending, outsourcing services, etc.

URL: https://corp.mynavibridge.jp/

As a group company of Mynavi Corporation, we offer diverse finance services including factoring, accounts receivable secured lending, and real estate secured lending.

Our mission is to be a "Bridge to all businesses."

We will contribute to the sustainable development of all businesses, primarily small and medium-sized corporations, by providing financing methods that support their growth.

<Contact Information for Inquiries>

Mynavi Bridge Co., Ltd. Corporate Planning Division (TEL: 03-6805-1851)